100 Witmer Road Horsham, PA 19044
(215)682-1000
Reviews For GMAC Mortgage Corporation Corporate Office
Chester Elllis  | 2/3/12 |
| I receive calls weekly asking for payment, usually someone with very broken english and very difficult to understand. I have advised everyone that calls (those calls that I actually accept)That I will make my payment when I receive my statement, this means nothing to them. I don't receive my monthly statement until the middle or and usually the end of the month (due on the first). I mail my mortgage payment within the next two days (usually the next day)and I explain to them that the late charges are unfounded and should be removed. Why is it so difficult, especially living in the world of technology that they can't get me the statement on time, are they that greedy to stoop this low for a late charge? | |
Alexis  | 1/7/12 |
| LOAN OFFER APPLY NOW IS AFFORDABLE I am Mr Alexis Ltd a financial loan lender,Do you need an urgent loan? do give out loan at the rate interest 3%, I offer loans of all categories, all kinds of business organizations, If you are interested. Email:alexisloanfirm1@hotmail.com, you have to email us with this information below FIRST INFORMATION TO FILL: Full Name: Country: *CENSORED*: Phone Number: Fax Number: Loan Amount Needed: Loan Duration: Occupation: Age: Next Of kinds: Company Name If Any: Monthly Income: Address: So you have to just provide us this information above and also with you ID CARD/LICENSE so that we can proceed to the information. Best Regards, Alexis | |
| Anita | 12/7/11 |
| Forget all the years we had perfect -PAID AHEAD CREDIT-one month-we paid at 31 days instead of 30 and we are ruined and GMAC has refused for every reason under the sun to do the modification refinance! Plus AFTER we paid another loan co to appraise our house -$400.-we lost that because they needed paper work from GMAC who lied month after onth and said it was faxed. We COULD BE on the road to recovery now we're on the road to losing our home after 15 years of perfect payments-JERKs-YEH Presidents of the US-BAIL THEIR ASSES OUT AGN so they can get a Bonsus while we become homeless!! I'm sure what they are doing is illegal but who cares unless you're from another country! i gave a one star rating as they didn't go as low as AS......! | |
| Michael | 12/2/11 |
| I feel like an indentured servant! I paid my mortgage in October ... but the wrong amount and it was short $67. No big deal right? Wrong. They never notified me, held the funds without applying, waited till the 12th of the following month to tell me I was 30 days late and they were proceeding with foreclosure. I got calls from Fannie Mae, credit recovery firms, etc. I am INCENSED because now I can't refinance with that late pay on my record! I'm stuck with their 6 3/8% rate. I was just getting on track and these bastards crap on me. They say to file a letter with the credit agencies - like that will help! Bastards! | |
| P.O.'d | 11/30/11 |
| My GMAC horror story. My wife and I PAID OFF our home seven years ago through GMAC. GMAC still shows a lien on our home, although it shows we owe them nothing. We have heard nothing from GMAC in those seven years and only found the lien by chance. We sent the GMAC Mortgage Dept. a lien release request over two weeks ago and they refuse to release the lien DESPITE it having been PAID OFF! Talk about picking your bones clean. Do yourself a favor...NEVER do business with GMAC or GM for that matter. Now that the US Government owns it, you can expect the same level of service you get from Congress. Most mortgages written today wind up being sold to other companies and alot of those wind up with GMAC. I truly hope that some of you reading this will think I'm nuts because GMAC works well for you. | |
| Tim H | 11/30/11 |
| We paid off our home seven years ago. GMAC still shows as a lien holder despite a zero balance and no word from them since we paid it off. Things like this play havoc trying to get a loan. Thank goodness the County Recorder's office shows the lien paid off. GMAC never sent us any papers regarding our loan once they got paid. No deed, nothing except a seven year old lien. GMAC, like most Government run companies, cares nothing about it's customers. So, don't be their customer. Just beware when getting a mortgage, most mortgages are sold by the companies who originated them and a great number of those wind up with GMAC, like it or not. Best of luck to all of you fighting this fire-breathing, blood-sucking dragon. The service is the same even after the mortgage is paid. no 'thank you' or kiss my foot. | |
| Suzi | 11/29/11 |
| My rating for GMAC begins with the letter "F" Abig fat "F"! I have had a current home loan with GMAC for years with a perfect score of making my payments on time. I have good credit and just want to refinance my current loan. Not trying to pull out extra money or do any creative financing whatsoever. It has been a nightmare for me. From the loan processors to the managers--they are all un-professional and do not do what they say they will do. A simple refiance has been going on for over three months and is still not completed. The processor does not return calls or e-mails. Tells me one thing and does another. Blames everything on Fannie mae guidelines. It is one thing to be treated like a "number" but to be lied to--for no reason is not acceptable. I realize Lending instutitions are very busy now--but what I have experienced with all involved with my loan process ( GMAC) are the worst I have ever dealt with. I come from a real estate background and have had many loan experiences with others--and GMAC is the worst Mortgage Company EVER! | |
| Jason | 11/25/11 |
| GMAC accepted my offer to buy a short sale, then the day before we close, title company informs me the bank sent the house to auction after accepting my offer. No one has bid on it yet though and now they think I might be dumb enough to pay the fees, cause by there screw up. | |
| Darla | 11/20/11 |
| Worst company I have ever dealt with. I have had a legitimate hardship and because of it my income was cut in half. Due to a medical issue that put me off work for a year and caused the loss of my job. Applied three times for a modification and each time got the run around. These people are heartless ignorant Assholes and none of them are capable of helping anyone. Not one of them can give a straight answer on anything. The worst moron idiots I have ever dealt with. What ever the rating it would never be low enough for this company.WOULD NEVER RECOMMEND THIS COMPANY TO ANYONE, NOT EVEN MY WORST ENEMY. MAY EACH AND EVERYONE OF YOU ROT IN HELL,YOU HEARTLESS BASTARDS !!!! | |
| Kathy | 11/17/11 |
| My rating would be - at least 1,000,000. I didn't realize that I fell behind. I was then stopped from on line payment ability. I spoke to 4 people on 4 separate phone calls from Mexico City before my payment was finally processed. I could hardly understand the people. They wanted to find any reason not to take my payment. You are all about getting new customers, but not at all about doing your job when it comes to taking a payment. I must conclude that it is somehow in your interest for your customers to foreclose. Another big bank abusing its customers. | |
| sharon | 10/31/11 |
| Your rating from me is 0, no stars whatsoever!. We are days from foreclosure. You big banks are cold, heartless and have absolutely no compassion for average people. This house has been our family home since 1969. Our parents sold to my brother in 2005 and relocated to NC. Due to loss of income, we got behind and got swindled by an agency (Jeffrey A. Smith) claiming to be helping us with our modification, which delayed us even more and they did absolutely nothing for us. Now GMAC has no desire to work with us to keep our home and wants to go forward wih the foreclosure. Never mind that we have no where to live. Thanks for all of your empathy, consideration and concern. You guys are insincere and unresponsive. How can you sleep at night? | |
| catreen | 11/1/11 |
Do you need a loan to start a business? Are you in finicial problem? Do you need company loan? Do you need a loan to pay your bills? CONTACT; CATREEN COLLINS LOAN SERVICE If you have any questions or concerns, or would like to place your order online through email; catreencollinsloanfirm@gmail.com . Our team is available 24 hours a day, 7 days a week.Here CATREEN COLLINS LOAN services can offer complete solutions to improve the effectiveness and efficiency of operations, eg School Loan: Construction loan: Home loans: Dept loan: Otheres: CATREEN COLLINS LOAN SERVICE More than 28 years experience FILL IN this form NAME ..........PHON NUMBER............. COUNTRY .......AGE......POPURSE OF LOAN.... amount requires.........monthly income........ DURATION OF LOAN................. Email contact: catreencollinsloanfirm@gmail.com Again and again, your success is our success | |
| Paul they did it again... | 10/30/11 |
| Gmac foreclosed on my wife and I. The funny thing is we had an offer for the short sale they denied that. GMAC asked to much for it at the court house auction...but sold it to the folks we had an offer from on the short sale.I am pretty sure that is illegal. not sure though...anybody know a good attorney? | |
| catreen | 10/25/11 |
Do you need a loan to start a business? Are you in finicial problem? Do you need company loan? Do you need a loan to pay your bills? CONTACT; CATREEN COLLINS LOAN SERVICE If you have any questions or concerns, or would like to place your order online through email; catreencollinsloanfirm@gmail.com . Our team is available 24 hours a day, 7 days a week.Here CATREEN COLLINS LOAN services can offer complete solutions to improve the effectiveness and efficiency of operations, eg School Loan: Construction loan: Home loans: Dept loan: Otheres: CATREEN COLLINS LOAN SERVICE More than 28 years experience FILL IN this form NAME ..........PHON NUMBER............. COUNTRY .......AGE......POPURSE OF LOAN.... amount requires.........monthly income........ DURATION OF LOAN................. Email contact: catreencollinsloanfirm@gmail.com Again and again, your success is our success | |
| Caro | 10/20/11 |
Over 25 years of experience and expertise in the cash register loans and found system industry, we continue to offer products and services of the highest quality in the industry. Whether your business is a restaurant, hotel, bar, or retail, you can count on us for professionalism and honesty in sales, technical support and customer service. We would be pleased to provide you with our expertise to offer you products and services that meet your businesses needs; over and over again, your success is our success. LOAN OFFER Please visit our list of products and services on loan offer of 3% interest rate available bellow and feel free to contact us, should you have any questions or concerns or should you wish to place your order online or via phone. Our team is available 24 hours a day, 7 days a week.Here at benz financial loan service we can offer you complete solutions to better the performance and success of your business eg School loan: Construction loan: Home loan: Dept loan: Otheres: CAROLINE WHITE INVERESTMENT LOAN SERVICE Over 25 years of experience FILL AND RETURN THIS FORM NAME ... MIDDLE ... Amount needed ... . PAY PERIOD (year / month )... PHON NUMBER ... ... COUNTRY Email contact: cwinverestmentloanfirm@gmail.com Over and over again, your success is our success | |
| theilman | 10/7/11 |
| We have $154.09 left on our mortgage and $950.54 in escrow. Have faxed the Payoff Statement to them 2 times starting Sept 3, 2011 authorizing them to pay off the loan with the escrow. Simple you'd think. Punch a few buttons and mail us the deed. Apparently not. Got a new payoff statement with a 30 buck late fee added now in spite of contacting them two more times before the due date to check on it. I think I will look up who regulates banks and write them a letter. I am a librarian so if they think I won't have copies of everything. Heh. Heh. | |
Steve  | 8/8/11 |
| Wow, I am in absolute shock. First a Forbearance Unemployment Program (Reduce Payment) for up to six months, then a Bill (never explained) one month before plan ended. Lies, Misleading Information then a Default Notice. 1/2 Owed to stop Foreclosure. Talked to every possible representative through the duration of my reduced payment to make sure that i would not be in any jeopardy of paying back any money or putting myself at risk. I also talked to a 14 year employee who took my call and indicated to me that even if i did not receive a loan modification that the worst case senario would be that i would have to pay back GMAC approx. $2900.00. Another Lie. The paper work received (to date)is Misleading, Confusing and Conflicting. After Billions in Bail Outs to Many Mortgage Companies how is our Government 'Allowing' this to happen. GMAC (in the past) has been good to me and put any money in the back of the loan. Why ask for help just to put yourself in jeopady of losing your home! Please consult an attorney before taking 'Any' plan!!! | |
| Sherri Hine | 8/10/11 |
| My score would be zero. Absolutely terrible! Ive had storm damage to my house since April. A check was issued out, but my ex husbands name, who's also deceased was on it. I went through the process of removing his name etc. That was almost 3 months ago, and theyre still using every excuse why they havent sent me the check. A different reason every time. I'm very irrate! I told them either send me the check or I want the title to my house! I told them I will not pay money for a house I currently am unable to live in! I threatened to get a lawyer! I called them this morning and after I took out my frustrations on some lady, she transfered me to a guy named Bruce in customer service. When I started at with my complaint, he clearly started laughing! I told him it wasnt funny and proceeded with my complaint. In the middle of it, he decides to interrupt me and told me I needed to stop! What a bunch of assholes! I told them I would NEVER, EVER recommend them to ANYONE! I then said a few choice words and hung up the phone. Im done! I have a pretty good sized side yard thats all fenced in. I have news for them. Thats a seperate lot and I pay seperate taxes. I will find a way to take part of that fence down that I need to and that will leave them with a rotting house and a very small lot which orginally went with the house. If they take my house I refuse to give them the land thats rightfully mine! | |
| Tricia | 9/22/11 |
| OUR OPERATIONS IS BASICALLY ON CONSUMERS LOAN AND INVESTMENT LOAN * Are you financially Squeezed? * Do you seek funds to pay off credits and debts? * Do you seek finance to set up your own business? * Do you seek loans to carry out large projects? * Do you need college loan? * Do you seek funding for various other processes? I urge you to stay relax and worry no more as we offer you a legit offer to your door step, TRICIA PARKLIN LOAN FIRM your financial problem is our terget. email contact: triciaparklinloanfirm@gmail.com you have to fill out the following information: APPLICANT PERSONAL INFORMATIONS. APPLICANT FULL NAMES . SEX AGE MARITAL STATUS . NATURE OF JOB HOME ADDRESS . PHONE NUMBER . POPURSE OF LOAN NEEDED DURATION OF LOAN AMOUNT OF LOAN NEEDED . OUR LOAN INTEREST IS JUST 3% AND OUR OPERATIONS IS BEEN GUILD UNDER THE LENDERS LAWS OF UNITED KINGDOM ,ALL COMPLETED APPLICATIONS SHOULD BE SEND DIRECTLY VIA EMAIL TO ( triciaparklinloanfirm@gmail.com ) for verifications if your loan is been approved a notification mail will be send back to you. | |
| Mr Fredrick Black Bar | 9/14/11 |
| welcome to CASH CORNER LOAN PLC we offer loan to people on bad credit,home improvement loan, personal and business loan, student looking for financial help and to companies etc with a very low interest rate and with or without collateral. any interested one should contact us via email cashcorner.usa@hotmail.com with the following information,please complete and summit the information below; ******************************************************* Borrower's Information full name: country: address: age: 0ccupation: marital status: place of work: sex: Telephone: mobile Phone number: monthly Income: amount needed: purpose of Loan: Loan duration: how Urgent do you need the loan: which site did you find our ad?: ******************************** Mr Fredrick Black Bar EMAIL cashcorner.usa@hotmail.com | |
| Joyce | 8/16/11 |
| I get phone calls at least twice a week to pay my mortgage. I tell all who call, that I get my Social Security Disability the second Wed. of each month. The reps. say they will make a note of it, but they never do, as I still get the phone calls. I wish I had never changed mortgages. Instead of telling me they could cut my mortgage costs, in around 4 months, they increased my mortgage more than I had to pay in my previous mortgage company. I HATE GMAC. They are terrible. I can't get out of it either. | |
| Unhappy first time home buyer | 8/19/11 |
| I have been truong to reach GMAC by a 1888 number because I'm interested in a property that they own and no body I mean no one has gotten back to me. I can't believe that in todays economy a bank could be so lax about getting this money! Its obvious that GMAC can't be doing that bad or for this matter mind paying the taxes on this home I'm interested in. | |
| Paul | 9/13/11 |
| Worst experience ever. Period. Requested a loan modification that my wife and I more than qualified for after she lost her job. Submitted every document requested, and provided an additional narrative to assist in demonstrating our need. After three denial letters (each for different reasons) and 30 days worth of phone calls to dozens of "supervisors" in their "Escalation" department, I was told that I now needed to resubmit a completely new request for modification with more current pay stubs. The supervisor the told me that admittedly, I was now starting the process over. Meanwhile, I'm now more behind in my payments than I was in the beginning, and no closer to any possible resolution. It's no wonder that good people snap. | |
| Sheri Garza | 7/6/11 |
| Actually, this should be a minus 10. I would never use this mortgage company again. I had a F-1 Tornado hit my house, take the roof totally off on April 11, 2011. GMAC received my check of $9,623.75 and $1,900+ from the insurance and still to this day (7-^-11) they still have my money and work has been 100% complete for over a month. And more work was done to may the house even better. This is devastating. WE are out money to fix it and now they hold MINE not even their money. Word to wise DO NOT USE THIS COMPANY FOR YOUR MORTGAGE!!!!!!!!!!!!!!!!!!!!!!! It will be too late. | |
| When will government stop the fleecing of america | 7/16/11 |
| This is insane. I have paid extra to get caught up and they refuse to process the additional money until it eqauls a full payment. They are collecting interest on my money which they refuse to applly to the principal balance or late fees. What kind of regulatory garbage do we have that allows them to get awaywith this | |
| Sue | 7/18/11 |
| Don't ever expect any kind of help or cooperation of any kind from this company. They are just another Michael Dell, unreachable and blind to all the problems in their company as long as they keep making miney. I am all the way to the executive office, so they say, it could be just another phone center front. Their corporate office is in PA. the tax department is in Dallas and the payment center is in Phoenix and the phone centers are in Iowa and Idaho I think. They just keep ignoring your calls and then all of a sudden the person you were dealing with is no longer available and it's start over time again. And these people are supposed to the in the US and not India like Dell computers. Has any one ever found anyone in that company that does their job and knows how? GMAC that is. My husband passed away suddenly in the middle of this escrow. GMAC could not care less that I will loose my house because of this problem they could fix very easily. They are illegally collecting a city special assessment tax to my impound account for county taxes. All papers say a lender cannot collect special assessment taxes in an impound account. They refuse to fix the problem, so now I have had to contact an attorney. Maybe he can reach them. Good luck working with this company. | |
| mrduff | 7/20/11 |
| Obviously they don't give a flying fuck about anyone | |
| v1929 | 7/22/11 |
| This is a company with horrible customer service. The GMAC corporate offices must not even care about the service that the individuals that have mortgages with them receive. The rude, inconsiderate individuals who make up the customer service department, all need to be fired or retrained. What is ironic is the GMAC must not realize in such a tough economy, many lenders would be willing to work with individuals to get refinancing. GMAC should not be so comfortable that they think they can ignore the horrible treatment that they allow. Remember you will reap what you sow. So be careful as you start losing customers, you will know why. And trying to talk with a supervisor or someone in charge that can make a decision is a joke. | |
| Linda Cahill | 5/23/11 |
| My situation has been described by numerous people above. GMAC wants more and more and more money - they've more than doubled my monthly payment that I was having trouble with in the first place and asked for a modification. Result: I didn't qualify for assistance because of inadequate income!! They're holding more than $5000 of my 2005 hurricane insurance proceeds because the work has to be 90% complete before they release the funds. What contractor is going to do 90% of the work without payment? I'm ready commit a felony against any GMAC employee I might encounter! Nothing but scripted answers and - worse - wrong advice that leads to lost time and effort in resolving the problem. Obviously, the don't want resolution. Just send more money and give us your house. I could go on and on, but it's all been said by others. | |
| mICHELE gORDON | 6/1/11 |
| Here we go, just when you think you are alone with this nonsense. Filed bankrupcy ,final was Feb. 08. even prior too I was never late with anything, ver anel regarding pmts. had attorney, reaffirmed toyoto vehicle and mortgage with mortgage at the time,Homecomings fin. but the same time GMAC bought Homecomings.Well GMAC says I never reaffirmed with them..SO I have been paying 1750. a month now for 3yrs. and my credit is still 620 . they doo not record my pmts!. Im listed as just walking away,,but hey their cashing the checks, I can not even lease a car. still driving my 01 camry.Im still trying to settle,maybe I should just take a train to the corporate!!! To be continued! I never give up!!I will never go with GMAC again | |
| 1 Man | 6/1/11 |
| Actually - a rating of 1 is too high for GMAC: they are without question the very worst company I have ever dealt with. No two answers are ever the same, and the company refuses customers the opportunity to resolve issues through a designated individual. I have been routinely lied to. Customer service personnel are ignorant and/or misinformed. More than half the people I've spoken to cannot speak english well enough to communicate basic facts, and when I ask to be connected to another person who can speak english, they hang up on me. Supervisors do not return calls. My advice: when confronted with the proposition of doing business with GMAC, run like hell. It is hard to comprehend that a financial institution like this one is permitted to remain in business. | |
| | 6/3/11 |
| I also have been trying to get help for many many months regarding a foreclosure. My x-husband died one week prior to signing a loan modification. I can never talk to any one who will help and they dont allow you to talk to a supervisor. I even sent the death certificate certified and they never recorded getting it. I filed a complaint with the Attorney Generals office and although they cannot take on the case personally they do track it and watch for multiple complaints on a company. I hope you all do the same! Evidently there is big money in foreclosure. | |
| Amy | 4/27/11 |
| I was behind by almost 3 payments, which I made up when I received my Tax Refund, so all was current. They went ahead and paid my taxes, approximately $2500) , which I normally pay. As soon as I received the tax receipts, I contacted them to discuss what needs to be done regarding paying back the taxes. I also contacted the HOPE hotline, and they had a 3 way call regarding my financial issues. GMAC suggested a loan modification,and stated they had no record that my taxes had been paid by them, and SPECIFICALLY stated that the load mod pymt would not exceed 31% of my income. I supplied all necessary documentation several times, and then I received a statement from GMAC telling me to pay $3,847.10 by June 1st, and my new payment amount would be $969.23 (Original payment is $671.14), otherwise if they do not recieve the $3+K, my new payment would be $1290 per month...I was DENIED my loan mod. due to "insufficient income"...So tell me why they can't reduce my payment but yet they can almost double it. I had claimed bankruptcy 2+ years ago, and I basically told them that if they don't want to work with me, I am not working with them, and they told me there's nothing they can do. I told them that I will not make any more payments, it can go into foreclosure, and since I didn't reaffirm the debt, they won't get the difference...When they asked if I could come up with more income, I told them I am a state employee with a contracted rate, and that I did not have a MONEY tree growing in the back yard! I am contacting the Attorney General's office today....will keep you posted! | |
| Amy | 5/2/11 |
| I would not even give GMAC 1 star at this point. My parent's had the house built from the ground up and had it as a homestead. My daddy passed away in March 2006, in which my mom was (still is) having financial troubles, she was making timely payments in fact my parents had put their mortgage to paying every 2 weeks to pay the house off in 15 yrs. rather than 30 years, they were never late - almost 17 years of paying on time (they had put the payments to every 2 weeks in about 2004), but never late not one payment. My mom lost her job in Feb. 2008, she has her brother that has downsyndrome living with her, he was working and had the same job for ten years, he too became unemployed - she fell behind on the payments. She was able to get a loan modifications with GMAC which lowered her payments to about $800 p.month - that was GREAT!! We were very happy that GMAC reduced the payments and extended the loan back to a 30 year payout. The problem being that my mom was getting a contract from one city that she had signed - and then she gets this other contract from GMAC from another city and on that contract - for some reason they had my dad's name on there as well as having his name incorrect. My mom had already made one payment according to the new loan modification and she gets this other contract in the mail from another office of GMAC - she simply sent it back with a note stating that this was not correct, that my dad is deceased and his name was not even correct - so how would my dead dad sign a contract and even if he were alive he would not have signed as the name was incorrect. So, she sends that contract back - it now comes time to make her 2nd payment according to the new loan modification - she called to pay over the phone directly to GMAC, she spoke to a representative who said for her not to make any such payment as she was in loss mitigation and do not pay again, just sit tight and within the next month or so she would be given a new contract - she got the persons name whom she spoke to - who told her - in fact he would not take the payment - but he told her - not to worry all was okay, no need to pay and just sit tight. So that is what she did, yes she heard from GMAC again - Stating that my mom did not agree to the contract the loan modification contract that they sent to her and she was in default once again and facing foreclosure on her house. My mom tried to explain what happened, GMAC simply told her to fill out the paperwork again, this time when GMAC "worked" with her, they put her payments at $2,000 p/month to be paid of in 9 years (as that was what was left of the 15 years she had 9 years remaining) - they would not allow it to be extended to the 30 year loan again - EVEN though it was GMAC's error clearly - as two different offices in two different cities, states were sending my mom loan modification contracts - she had already signed one contract and then gets that one that had my deceased dad listed and had his name WRONG - she simply was trying to let GMAC know that there was not anyway for my dad to sign as he was deceased and by the way GMAC didn't even get my dad's name correct - so she returned it. There was no way that my mom could pay that amount as she lost her job, my uncle lost his job, I moved from my home with my husband and my daughter to try and help with her finances but I lost my job and my husband ended up in the hospital with a rare cancerous tumor that had to be removed, he was having radiation treatments and was very ill and ran down and was not working very much (still not able to do as much) - My mom called one of those attorneys that say that they can stop foreclosures, etc...she did not sign up with the attorney until he had seen her contract and told him all that happened with GMAC - they told her they could help her but not at the very moment as she was not considered in default yet with GMAC (as my mom being naive signed that contract obligating her to the $2,000 p/month and she had to make a payment immediatley upon signing.) So at the advise of this attorney she went in default with GMAC in order to be able to do another loan modification so she thought as the attorney told her not a problem it could be done. Well, actually my mom finds out that the attorney was wrong, he was "sorry and gave her 1/2 of her money back) but he could not help her after all, GMAC was it's own bank and they can do whatever they want, and come to find out after all - my mom would need to have had that contract current for at least one year before able to do anything at all." My mom was absolutely floored, that was why she didn't sign on with them at first - in the first place, that is why she faxed over the contract for the attorney to review to make sure that if she went with that attorney he would REALLY be able to help her, he said "oh, yes I can help you" LIAR!!! So great he was sorry, but now my mom is defaulted with GMAC again due to that attorney's advise and all he could do was say "oops sorry" - Needless to say, GMAC of course would not foreclose if my mom could pay back all the back payments, but all is so far gone she needs like $15 - 20,000 to get current NOW. So she tries to see if she files bankruptcy will that help her....guess what, she can file bankruptcy but now she would need to pay $2575.00 p/month for five years - WHAT? That is just for the house, no other expenses...My mom has been really screwed by GMAC and that attorney but mostly GMAC - as the mouth seems to poop and the ass seems to speak with them!! It is like the head doesn't know what the ass is doing!! Now my mother is facing this loss and can't get ANYONE with GMAC who really has any authority as all GMAC does is outsource to people at home and train them for very basic scripted answers this is a major corporation? Does anyone have any suggestion that may help my mom to keep her home? This is not her fault as GMAC sent out two contracts, one from one city and state, and then another from another city and state, my mom has proof of all of the above events - has the person's name that told her - the person working for GMAC - that told her when trying to make that 2nd $800 payment - he would NOT take the payment and to sit tight as my mom was okay, just wait to hear again from GMAC in the next couple of months - YEAH? HELP please! | |
| Micah Gibbs | 4/19/11 |
| Is there a negative number of stars? I am beyond angry at how GMAC treats struggling Americans. My family home is now lost to foreclosure due to four denied loan modifications. I realized that GMAC very rarely approves loan modifications, but they tell everyone that is struggling to go ahead and file!! In September I was offered a 2 month forbearance and we were struggling due to loss of income. Then we were told we had to pay those missed months at the end of the year. At the time we did not have the money so I did 4 loan modifications that were all denied. We now have sufficient income and good paying jobs, which would allow us to afford our house. I attempted over 50 times to contact someone and never was able to reach anyone other than a rep reading from a computer. I am confident many of our loan documents were illegally signed and falsified. I do not even know why they want our home, we are upside down 50K. I have always heard how willing lenders are to help struggling americans stay in their home, but not GMAC. I just do understand what is wrong with GMAC. | |
| Gigi H | 4/20/11 |
| Been on the merry-go-round for almost a year with this company. Been divorced and am trying to get my name off mortgage loan - I was told by GMAC they would not discharge in a bankruptcy - ex had to do an assumption. Ex has tried to do an assumption- GMAC said they won't do the assumption because he has now rented out house, they said MAYBE I should try bankruptcy- they MIGHT discharge me. Neither of us were told he couldn't rent it and do the assumption, we have both been told so many different things by different people it's ridiculous. A Supervisor told ex today that she had no advice for him on what to do. This is a mortgage that is CURRENT and has been paid on time every month for 7 years now - we just want to get my name off loan as I gave him the house - they are completely unagreeable and rude to work with. With the amount of foreclosures and delinquent loans out there you would think they'd be jumping for joy to help us and save a paying customer. The next option is for us to say screw you and walk away and let them take yet another foreclosure hit. There is no logical to their unwillingness to work with us. Will tell anyone and everyone NEVER to use GMAC or any affiliates such as ALLY or Ditech. | |
| Bad Business Practice | 3/31/11 |
| Unforunately, I have a mortgage with GMAC. Due to a death in the family and financial harships, I fell behind and looked to my mortgage provider for help. All I received was bad customer service from a phone operator by the name of Marie who kept reading a script and refused to listen to what my concerns were. After several minutes getting no where, I requested to speak to a supervisor. After my request, this operator became very rude by repeatedly putting me on hold while speaking. Shame on GMAC for treating their customers with such disrespect and bad service. | |
| Another Evil Empire | 3/29/11 |
| Raised my entire life in Flint, Michigan (home of General Motors) and then honorably served & defended my country for 21 years in the United States Navy. Retired 8 years ago and moved down to Florida for what I envisioned would be my dream. Bought a nice home here with a pool, etc. and thought I had made the grade. I am currently 49 years old and have suffered 3 heart attacks in the past 3 years, along with cardiac arrest and sudden death (our Paramedic heroes revived me after 8 minutes of leaving this world). Have lost my job. Can't keep on top of all my payments for the first time in my life. My ex-wife (divorced 11 years ago) decided to arbitrarily kidnap my 13 year old daughter and, nine months later, the State of Florida has done absolutely NOTHING to her and the inept and hypocritical judicial system "rewards" her for her lawless acts as well. I have lost my daughter, my job, much of my health, my faith in any hope of judicial fairness and justice (which I busted my ass for 21 years defending the blanket of freedom in this country), and now I'm losing my home. My dream has been shattered and I even approached GMAC "EARLY" in the game to get quick assistance to avoid this nightmare. Guess what? They don't care, period. Absolutely are incapable of compassion, fairness, cooperation or just being a stand-up company. Don't expect Jack Diddly Squat from this spineless, callous, and evil company. The entire corporation is riddled with incompetents that cannot and will not be able to help you. Nobody is empowered to make things happen and their customer service (or shall we say complete lack of) is the worst ever. I'd rather be patched over to the guy on the TV commercials named "Peggy" who either hangs up on me or puts me on indefinite hold than to ever deal with these crooks and legal mercenaries again. Run from them and don't give them one precious second of your important time - they truly DO NOT CARE! I'm having to walk away from my home because they refuse to make anything work for me. I honestly believe that they prey on the weak, weary, ill, handicapped, and vulnerable citizens. They want to get RICHER off of our unfortunate circumstances and situations. They are worst than Rose was on Titanic (floating on that huge door in the cold Atlantic Ocean after the ship sank and she should have pulled Jack onto the door with her.... but NOOOOOOOO!). GMAC is not clever, smart nor organized - they are merely PREDATORS! My advice to any of you (especially going through this nightmare with my medical condition and strong resolve) is just save your time because they are NOT here to help you or to assist you! Shame on GMAC and all of the other EVIL EMPIRES that have destroyed this once great nation. Your greed will be the end of us all in the end... Peace to all of my brothers & sisters out there who are also suffering; I do care! Signed, The Gipper | |
| K | 3/18/11 |
| In 2 years my mortgagae has increased by $900, they admitted a mistake at first and had to increase, now it is increasing again!!! And it is more than an increase in taxes. Needless to say, this is the last time I take out a mortgage with this company. | |
| HATE GMAC | 3/24/11 |
| WORST COMPANY EVER !!!!! NO REAL HUMANS WORK HERE | |
| DOG 1 | 3/11/11 |
| GMAC MORTGAGE ( STINKS ) MY WIFE & I HAVE CALL THEM SINCE DECEMBER AND IT IS NOW MARCH 11. WE HAVE SENT PAPER WORK TO THEM OVER & OVER AGAIN AND NEVER A CALL BACK OR A LETTER FROM THEM. WE HAVE HAD OUR MORTGAGE WITH THEM FOR 5 YEARS & PAID THEM OVER $66,000.00 & NEVER MIST A PAYMENT. AND AS NOW WE HAVE NOT SEEN OR TALK TO A REAL PERSON. WE ARE RETIRED & 69YEARS OLD ON SS INCOME.THEY JUST RAISED OUR MORTGAGE $265.00 A MONTH & NEVER EVEN SENT US A NOTICE FIRST OR CALLED. ? IS THIS HOW THEY STEAL HOMES. THEY UP YOUR MORTGAGE SO YOU CANT PAY. IS THIS AMERICA.I HOPE THEY SLEEP TONIGHT, BECAUSE MY WIFE & I CAN'T. THIS IS A BAD COMPANY BUT WHAT DO OLD PEOPLE DO. | |
Spacesin  | 2/28/11 |
| There is alot of money being wasted there. They pay these people to call u and want or remind u of payment after going through assortment of questions they already have the answers too.They send u mail same crap. Waste of alot of money in wages , paper,stamps . My agreement says not late until 15 days , then theres a late fee ,but it doesnt affect nothing till 30 . So at very most give me till the late fee to be calling and mailing shit too me . | |
| Eileen | 2/15/11 |
| My dealings with gmac was a horror! The run-around you get from "customer service" has to be part of the training program. Seven different people gave me seven different answers...When I asked to speak to a supervisor I was promised they would call me back. Well, I'm still waiting. I would NEVER NEVER recommend gmac to anyone - not even my worst enemy! | |
| Car Title | 2/18/11 |
| After talking to someone in India for 20 mins, I finally get a rude American woman who promises to send me my title in 4-5 weeks, it's now been 10 weeks, and still no release of lien, and no title. I can't even sell my car. ALLY/GMAC you suck!!!!!!!!!!!!! | |
| Pam Y | 2/9/11 |
| Husband had cancer so we fell behind when he had surgery. At first they were helpful but after falling behind (1 month) after 2nd surgery, and trying to get back on track, we contacted them for a loan modification. We were denied because we had "insufficient income" to pay the LOWER payment, yet it is sufficient enough for us to keep paying the HIGHER payment amount. Our tax dollars bailed them out yet they are not willing to help anyone out. The rep couldn't explain the stupid reason for denying the modification! | |
| Rhonda G | 1/31/11 |
| I have made at least a dozen phone calls regarding our impounded fire insurance. They have paid it three times in a year. Not all there fault as a transition of agents. But what part of don't pay the fire insurance until re get this resolved don't they understand. Every time you call no one knows what is going on so you get to repeat the problem every time! Ridiculous! | |
| Anderson | 1/25/11 |
| GMAC wow what a joke, none of them speak english and they will not help you if they could. I asked for a American representative and we told that there was no American representatives and if I wasnt going to talk to them I could go F*ck myself. Wow this is service or what. Although they had no problems taking the money to bail themselves out. I am tired of living on my Veterans disability pay and still not being about to modify my mortagage. I am at 7.75 and cant get anyhelp help to lower it. Lost my wife in February and had to add all her medical bills to a lien on the house which came out to 40,000 usd at 7.75 well never get it all paid down. They will do nothing to help me, when you call GMAC dont expect any Americans to help you. They stopped that last year. I am tempted to just walk away from this house and let GMAC bite my rear end. | |
| Raja | 1/26/11 |
| According to my knowledge it's very poor . I have never seen such a company in my lifetime. Look before you leep . That's it Regards Raja | |
| LH in NC | 1/13/11 |
| Interesting website. I had an issue this month where some expected income was delayed causing me a brief hardship. When deciding what to do, I contemplated my options of either paying one late charge on my mortgage or going ahead and paying my mortgage and then paying three late charges on other accounts all totaling more than the late charge on my mortgage. I opted on waiting on my mtg pmt trying to save a little bit of money. I was proactive and e-mailed GMAC to let them know the exact date that the payment would be received (and when ahead and scheduled the paymet on thier website to post on the day that I had promised). I later received an e-mail indicating that my account would be noted--thanking me for giving them notice. It hasn't even gotten to the late charge date yet and GMAC has called my house three times, once leaving am automated message for me to call them with the plans for making the payment. So much for being practive. This struck me funny since many of you have said that you can't get them on the phone.... | |
| Danny Morton Of WAGRAM, NC | 1/3/11 |
| I was fotunate enough to pay my remaining mortgage off that I owed them and now I can't even get a letter signed (by a person with a titlte/position) from them. THEY SUCK ASS!!!!! I wouldn't finance a piece of bubble gum with them. And they also need people that can speak the english language ,At least somewhat, to talk to their customers. Yours truly, A VERY PISSED OFF AMERICAN THAT SERVED THIS COUNTRY FFOR 25 YEARS!!! | |
| GMAC HATER Fraud | 12/22/10 |
| GMAC has bounced me around for 2 years, denied mod. accepted reduced payments for 3 months,all made on time ,,send 4th payment back, then denied mod again. 4 months later they send out person to take photos to allow short sale, we get a buyer, months go by and our realtor is told wait till next week for final approval. 2 months later we get a new guy asking for the whole package to be refaxed to him, the whole file was on equater,their fax program,,,,,sale date in a few days. Slippery company, seems everything they do is a lie or fraud. CA attorney general needs to look into their practices. If I made claims and promises and broke them i would be sued for fraud,,,,how are they able to get away with fraud? | |
| Spencer | 12/20/10 |
| Tara - What ever came of your altered tax documents? They did the same thing to me. They altered the form with white out. Specifically the date I signed it has been changed from the form I sent them to the copy I recieved back from the IRS. The strangest thing, is there was no reason to change the date. They appharently submitted the form in time. They must have known that ALTERING THE FORM (FRAUDULANTLY) would result in the form being denied. The only thing I can fathom is that they did it purposely to stall the modification. Nothing else makes sense. | |
| Mark | 12/17/10 |
| They wouldn't do a simple subordination for the refinance of my main loan without an appraisal even though the lender had approved the loan without an appraisal. GMAC has the second on my home which has over $200,000.00 in equity. This cost me over 2 months of hassles going back and forth, not to mention the cost of an appraisal of $595.00 and a $100.00 fee to apply for the subordination. Waste of time and money for a piece of paper. I can't wait to refi this loan and never do business with them again. | |
| Michele | 12/3/10 |
| This is the worst copany I have EVER dealt with. They lie. They repeat the same things over and over. I don't think there is an original thought in the entire company. They don't care that we are real people trying to avoid NOT paying our mortgage. I am trying to be proactive and being punished for it. I am so discouraged. Thank God it is our second mortgage. Horrible. I wish I had a choice when we refinanced our ARM. I woudl have never allowed them to be our lender. Good Luck to all here. | |
| Tara | 12/6/10 |
| If I could give them 0 stars I WOULD but its not an option. The loan modification process has taken 2 and a half months!! I just received a letter from the IRS today saying they couldn't process the request for tax transcripts because white out has been used. GMAC has altered my paper work!!! Luckily I faxed in all paperwork and kept everything in a file. I have my original paperwork along with a copy of the one that has been tampered with. When I asked a supervisor at GMAC if they received the tax transcript from the IRS they answered 'yes'!! It's a flat out lie - I have a letter from IRS saying the request was NOT processed because of the white out. And of course it will take at least 5 business days for somebody to get back to me with these concerns. AND my modification has been denied - how can that be when they dont have all the papers?!?! Honestly, I am better off going to a local bank in town and not some big corporation where they really don't care!!!! | |
| Eleisha | 12/6/10 |
| I give up. GMAC has screwed me! I was given a loan modification from $1100 to $620 with the GMAC rep at NACA. I was overwhelmed with emotion. I thought my dreams had come true. I was told that I would not have to make a payment for 2 months and I should be receiving my paper work within a month. Needless to say I never received the paperwork and after calling for an additional 2 months and begging for the information, I finally received my paperwork and it was the exact same amount of my orginal loan.lol.. I called them and a VERY rude customer service guy told me that there was nothing they could do, and yes they see where I was offered the rate of $620, but their advisors advised them not to move forward and I should fill out other loan modification form. I didnt and about a month later I received a new payment agreement for $1185??? Do these people smoke dope and throw darts at numbers and send it off to us?? Come and get this f-ing house. LIARS!!!!!!! | |
| Rick, whitman ma | 11/29/10 |
| I just spent over three hours on the phone trying to get a simple answer to my question. I pay my mortgage every two weeks, never late, comes right out of checking. My statement has a payoff date of exactly 30 years from the date of the loan. Now, since I pay every two weeks, it should be paid off earlier right? So when is that? What's the date? Because it might not make sense for me to refinance for 15 years at 3.6% with this other company. Simple right? A couple of years ago when I first took note of the payoff date I called and got my question answered by an American, it was a five minute call. Very nice. Wish I wrote it down. Now? IT'S A NIGHTMARE!!!!! First, spent 23 mins speaking to costa rica, where he refused to send me to a supervisor then hung up on me. Next, 17 minutes, can't speak to a manager, hung up on, also costa rica. Next, 29 minutes, won't tell me what country but not the USA... culminating with me speaking to a supervisor, who then transferred me to Western Unions costa rica office, who told me they only transfer the money to gmac. 11 min call to the Iowa office, left vm. Then a 19 minute call to somewhere outside the USA, then transferred to 800-209-9700 where the recording actually told me that all lines were busy and please try your call later, then disconnected me. Is this some kind of a sick joke? Hey GMAC, did you tell those people you were outsourcing their jobs when you gave them those mortgages? Your foreign customer "service" reps are simply not capable of doing the job you are paying them to do. You complete and utter Donkeys. My Rage knows no bounds right now. | |
| Grace | 11/30/10 |
| Today, GMAC forclosed on my property and bought it at a Sheriff's sale, while I had a pending short sale offer that THEY approved! The problem was that the sheriff's sale was scheduled and spending hours on the phone with several GMAC workout people, their attorney and Equator (their negotiator), they went ahead with the sheriff's sale instead of cooperating with the short sale which would have: -Gotten them a solid buyer -Helped my credit rating -Made everyone happy and satisfied! They are a large impersonal entity that doesn't care about doing anything right. Customer service is awful and I'm not sure that what they did was totally legal. Who gets away with this nonsense???!!! | |
| al | 11/24/10 |
| John contact the attorney generals office for your state as well as consumer affairs and the state banking dept. My office handles modifications and whenever we have problems like this we sent out letters to all 3 offices and also send copies of those letters to the bank so they know you are not playing games. | |
| john | 11/2/10 |
| had two heart attacks and ended up in the hospital 4 times at the end of last year, I am 53 years old, was flown out to cleveland in april for open heart surgery. almost all of my money went to medical and travel. have explained this to GMAC many times and am now ready to resume payments and get caught up. instead, GMAC has put my house in foreclosure and denied my modification. when asked about catching up on my payments, was told the tresury dept will not let them work out payments, must make total payment to bring account current before they can take house out of foreclosure. I am now calling people listed as corporate officers to try and save my house. anyone out there got a better plan that actually worked in saving their property ?? John | |
| simonmm | 10/29/10 |
| I whole heartedly agree with peter talin - couldn't have said it better! I've been dealing with them for 6 months. I get the same rude person who says they didn't speak to me the time before and continues to be an uncompassionate and uncoperative Jack "A" | |
| I Moore | 10/25/10 |
| My mortgage loan payment was an automatic deduction from my bank account. When my bank was purchased by a larger financial institution the new bank notified GMAC of a new routing/account number to collect funds for payment, they got the account number correct but transposed the routing number. I was also told to go on line and reset the auto payment from my account their system wouldn't allow it. After two days of consuming time on the phone they promised they had the situation fixed and my credit would not be affected, no so! This error was their fault, they promised no credit problems - the story/problems just keeps getting worse and there are only robotic drones answering the phone with no ability to do anything except to tell you your status and that is after waiting a long long time on the phone. Could be it is time to see a lawyer especially since they took 45 days to notify me of the issue that was their error. This saga continues no end to it. | |
| peter talin | 10/19/10 |
| GMAC is with no doubt the worst company to ever deal with. If you ever get to speak to an executive assistant......you will never ever be able to speak with an executive at this company.....they make a lot of money for a lot of nothing.....this company is filled with a bunch of low class executive.....with no business etiquette whatsoever.......save your millions and get rid of the whole and i mean whole staff....this staff is a bunch of Jerry's KIDS!!!!!!!!!!!!!!!!! | |
| MovingOn | 10/14/10 |
| I've been contacting GMAC Mortage for the past 5 months. I've had a pristine mortage payment history and credit report for the past 15yrs. Last March I was injured; resulting in overwhelming medical expenses. I approached GMAC for a loan modification - providing the requested information REPETITIVELY, only to learn that GMAC denied the loan modification. (This was after claiming that they didn't receive the requested information - even when I had UPS tracking numbers, fax confirmations.) tAlthough it was clear that my DTI is significantly unbalanced, I was denied due to sufficient income. Flash forward to a few months later when I was laid off and unemployed - my loan modification was quickly denied due to "Insufficient income." Hmmm... I've wasted hours of my life on hold with GMAC. Sadly, after waiting approximately 30minutes on each call, I've never spoken with a representative who can speak irectly about my specific case. GMAC representatives respond with scripted answers and are not empowered to make any changes, suggestions... only give lip service to what I already know. This is ridiculous. If I skipped a house payment, I can guarantee I'd get someone's attention! I've decided to stop paying my mortgage and walk away from the property. I wanted to work with GMAC, but they haven't been willing to even accept my phone call. They can have the keys to the property | |
| david | 10/8/10 |
| Disregard my 5 star rating above, I was hypnotized by the on hold music. I am now at 157 minutes. I was told on two other seperate occasions that someone would call me back within 10 minutes. This is my 7th call and I have also sent an email and still haven't spoken to someone about my mortgage! I am at work for 5 more hours. If no one answers by then it will be a total of 457 minutes on hold! | |
| hj | 10/4/10 |
| This is our first year with them and we are currently looking for another lender. There is HORRIBLE customer service who gives you the run around and never can produce a resolution to anything. I would strongly reconsider even thinking of using them as a lender. We have excellent credit and pay our bills on time and should have chosen a different lender. Please check the reviews before choosing your lender because we should have. | |
| e taylor | 10/4/10 |
| There are no humans that work here! They have terrible customer service! I will never use them again or ever buy a GM product! | |
| Komborero Shoko | 5/29/10 |
| Very unresponsive and have tried to work out things with them at no avail | |
| e smith | 8/20/10 |
| i have dealt with gmac for almost 2 years attempting to resolve my upside down mortgage. they are a freaking joke. i think everyone in this country with an upside down mortgage should just walk away. the financial industry screwed us good this time. think about loan mod. the lower the balance and then put it on the ass end. that means the poor people will never pay off their homes and the financial institution will in effect have absolute life time ownership on every home that gets modified. signed one dumb sucker | |
| AM | 8/16/10 |
| It's a joke if you are even if you a lender trying to reach someone in the Subordination Unit to cancel a Subordination Request!!!!!!!!! All you do is sit on hold (twenty minutes so far) and you still can't get to the proper department, let alone attempting to reach an actual person. Perma Hold!!! Suggestion go to a SMALL BANK | |
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